Generally speaking, the sum of the house age and the loan period must be less than or equal to 40. The age of the house refers to the year when the house was built, which is generally indicated on the mapping map of the real estate license. In addition to meeting the above conditions, the borrower must be under 70 years of age and the longest loan period is 30 years. For example, the borrower is 65 years old and the house was built in 1986. Up to now, the house is 23 years old, and the longest loan period is 40-23 = 17. At the same time, the borrower is 65 years old, 70-65 = 5, which means that the borrower can only borrow for 5 years at most. For another example, the borrower is 26 years old and the year when the house was built is 2007. Up to now, the house age is 2 years, 40-2 = 38, and the borrower is 26 years old, 70-26 = 44. This borrower can keep it for 30 years.